We make decisions based on what we think is fair and reasonable, accounting for the unique circumstances of each case we receive. We anonymise our decisions and write them in a way that prevents the person or small business complaining from being identified.
This database holds all the final decisions we’ve published since 1 April 2013 under the Financial Services and Markets Act 2000, as amended by the Financial Services Act 2012.
Your search returned 79 results
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Decision Reference DRN-4610343
28 Mar 2024 Valour Finance Limited UpheldConsumer CreditDRN-4610343 The complaint Mr O complains Valour Finance Limited trading as Savvy.co.uk (“Valour”) provided him with a loan without carrying out appropriate affordability checks. Mr O also says that interest was added to the outstanding balance even thought he had told Valour about his diff... (7 pages)View decision -
Decision Reference DRN-4196129
28 Jun 2023 Valour Finance Limited Not upheldConsumer CreditDRN-4196129 The complaint Miss S, through her representative, complains that Valour Finance Limited, trading as Savvy.co.uk, lent to her irresponsibly. What happened Valour has no records due to the passage of time as the loan was approved in 2015 and the complaint was made in 2022. One of... (3 pages)View decision -
Decision Reference DRN-4011186
6 Jun 2023 Valour Finance Limited Not upheldConsumer CreditDRN-4011186 The complaint Mr W complains Valour Finance Limited trading as Savvy.co.uk (Valour) provided him with a loan without carrying out appropriate affordability checks. Mr W also says he was offered a loan over a longer term than he had anticipated. What happened Mr W took one loan ... (4 pages)View decision -
Decision Reference DRN-2965503
27 Aug 2021 Valour Finance Limited Not upheldConsumer CreditDRN-2965503 The complaint Ms R has complained that Valour Finance Limited trading as Savvy.co.uk (Savvy) didn’t carry out affordability checks. If it had done so, it would’ve seen she had a number of loans outstanding and a low credit score. What happened Ms R took two loans from Savvy bet... (4 pages)View decision -
Decision Reference DRN-4258659
14 Dec 2023 Valour Finance Limited Not upheldConsumer CreditDRN-4258659 The complaint Mr B complains Valour Finance Limited trading as Savvy.co.uk (Valour) provided him with loans without carrying out appropriate affordability checks. What happened Mr B received two loans from Valour; 1. £400 loan on 29 June 2021 payable in 6 monthly instalments. 5... (4 pages)View decision -
Decision Reference DRN-4586223
30 Jan 2024 Valour Finance Limited Not upheldConsumer CreditDRN-4586223 The complaint Mr H complains through a representative that Valour Finance Limited trading as Savvy.co.uk (“Valour”) provided him with a loan without carrying out appropriate affordability checks. What happened Mr H received one loan from Valour on 3 October 2022 for £1,200. Mr ... (4 pages)View decision -
Decision Reference DRN-3871842
19 Jan 2023 Valour Finance Limited Not upheldConsumer CreditDRN-3871842 The complaint Mr G complains Valour Finance Limited trading as Savvy.co.uk (Valour) gave him a loan he couldn’t afford to repay. Mr G explained at the time he was granted this loan he had a number of outstanding credit card accounts as well as high-cost loans in default. What h... (4 pages)View decision -
Decision Reference DRN-4381774
5 Oct 2023 Valour Finance Limited UpheldConsumer CreditDRN-4381774 The complaint Mrs B complains that Valour Finance Limited trading as Savvy.co.uk (“Valour”) gave her loans without carrying out the correct affordability checks. Mrs B says had it carried out better checks, Valour would’ve seen multiple late payments and evidence that she was c... (8 pages)View decision -
Decision Reference DRN-3158376
10 Mar 2022 Valour Finance Limited UpheldConsumer CreditDRN-3158376 The complaint Mr T complains that Valour Finance Limited, trading as Savvy.co.uk (Savvy), lent to him irresponsibly. He says they should have done better checks before lending as he was taking loans out to repay other loans. What happened Using information from Savvy, here is a... (7 pages)View decision -
Decision Reference DRN-2254491
12 Nov 2020 Valour Finance Limited UpheldConsumer CreditDRN-2254491 The complaint Mr T complains that Valour Finance Limited trading as Savvy.co.uk lent to him irresponsibly. What happened Savvy approved a loan for Mr T which was a 15 month instalment loan of £1,000.00. This was approved on 17th August 2017 and payable in 15 instalments of £133... (4 pages)View decision
